Finance
Under the TILA-RESPA Integrated Disclosure (TRID) rules, a lender may charge the borrower more than the Loan Estimate disclosed amount for which fee?
ALender origination charges — these are 'zero tolerance' and cannot increase
BTransfer taxes — these are zero tolerance
CThird-party service fees for services the borrower may shop for, subject to a 10% aggregate tolerance✓ Correct
DTitle insurance from the lender's preferred provider
Explanation
TRID has three tolerance categories. Zero tolerance items (lender fees, required third-party services without shopping) cannot increase. 10% aggregate tolerance items (third-party services where the borrower may shop) can increase but not more than 10% in total. Unlimited tolerance items (prepaid interest, property taxes) can change.
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